Hello, new member here. I just bought a new L3200 with gear shift, It came with FEL,BH. I had to have insurance added since I financed it, but it will come in handy if damaged from a roll over or stolen. My total payback will be 24,500 Also forgot to mention that was delivered to my house from about 3 hours away. I thought that was a pretty good deal since the other two dealers I checked with wanted just as much,and didn't include delivery. I don't know where you live in Ky, but I bought mine from a dealer in W.V. and didn't have to pay sales tax. The l 3200 seems to have plenty of power,and seems to just sip fuel.